Capital One (COF)财务
NYSE · Financial Services · Financial - Credit Services · 员工77,500人 · CEO Richard D. Fairbank
- 股价
- $204.85 -1.86%
- 市值
- $1260亿
- 企业价值
- $1270亿
- 最近财报
- Q3 '26 2026-10-20提交
- 下次财报
- 2027-01-28
营收(TTM)$791亿+24.7% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)21.1%+18.5 百分点 对比去年同期营业利润 $167亿
净利润(TTM)$109亿+668.0% 对比去年同期税后,含营业外收益
自由现金流(TTM)–– 对比去年同期资本支出 –
稀释EPS(TTM)$16.94+614.8% 对比去年同期最近4个季度之和
净现金$889亿+1,076.5% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $1260亿 EV $1270亿
- 营收
- $791亿 过去12个月
- 营收增速
- – 下一财年
- 净利润率
- 13.7% 净利润 / 营收,TTM
- P/E
- 12.1×
- P/S
- 1.6× 股价 / 营收,TTM
- EV / EBITDA
- 5.9× TTM
- 自由现金流
- – 过去12个月
- 净利润
- $109亿 过去12个月
- 营收预期
- – 下一财年
- 盈利
- 2027-01-28
- 股息
- $3.20 每股,过去12个月
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长放缓:同比2.7%Q3 '26营收$204亿,此前四个季度的平均值为37.7%。
- 营业利润率21.1%(TTM),较去年同期+18.5 百分点营收增长24.7%,营业利润增长918.5%。
- 税前利润的26.7%被营业外亏损吞噬税前利润$132亿,营业利润$167亿(TTM)。股权投资亏损等一次性项目压低了净利润和EPS,营业利润更能反映业务本身。
- 稀释股数一年内减少4.7%Q3 '26稀释股数6.1亿,一年前为6.4亿。
- 净现金 $889亿现金 + 短期投资 $1390亿,含租赁债务 $498亿;一年前净现金 $75.6亿。
上一季度:Q3 '26
截至2026-09-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $204亿 | $198亿 | +2.7% |
| 毛利率 | 66.0% | 64.3% | +1.6 百分点 |
| 营业利润 | $45.7亿 | $43.8亿 | +4.3% |
| 营业利润率 | 22.5% | 22.1% | +0.4 百分点 |
| 净利润 | $35.4亿 | $31.9亿 | +10.9% |
| 稀释EPS | $5.61 | $4.83 | +16.1% |
| 经营现金流 | – | $91.5亿 | – |
| 资本支出 | – | $3.87亿 | – |
| 自由现金流 | – | $87.7亿 | – |
| R&D | $0 | $0 | – |
| 股权激励费用 | – | $1.74亿 | – |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q2 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Credit Card | $118亿 | – | 74.2% | – | – | |
| Consumer Banking | $32.1亿 | – | 20.2% | – | – | |
| Interchange Fees, Contracts | – | – | – | – | – | |
| Commercial Banking | $8.5亿 | – | 5.4% | – | – | |
| Other Contract Revenue | – | – | – | – | – | |
| Service Charges And Other Customer Fees, Contracts | – | – | – | – | – | |
| Other | $2600万 | – | 0.2% | – | – |
按地区划分的营收
占总额比例| 分部 | Q2 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Other | $3.65亿 | – | 100.0% | -$2.96亿 | – |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 自由现金流
- –
- 股东回报 / FCF
- –
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 12.1× | 19.4× | 5.2× – 60.1× |
| EV / EBITDA | 5.9× | 7.8× | 4.4× – 16.5× |
| EV / 营收 | 1.6× | 1.7× | 1.1× – 2.7× |
| 股价 / FCF | 3.9× | 4.0× | 2.6× – 5.5× |
| 股价 / 净资产 | 1.1× | 1.0× | 0.7× – 1.2× |
| FCF收益率 | 25.6% | 27.4% | 18.1% – 39.1% |
| 投入资本回报率 | 6.9% | 5.0% | 1.1% – 10.2% |
| 净资产收益率 | 9.7% | 10.5% | 2.2% – 20.3% |
分析师
一致目标价 $252.89 (+23.5%)
区间 $229.00 – $280.00 · 评级 Buy
强烈买入0
买入36
持有17
卖出4
强烈卖出0
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
Capital One Financial Corporation在近期10-Q / 10-K文件中标记的全部383项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| $928亿 | – | – | – | – | – | |
| $0 | – | – | – | – | – | |
| $27.4亿 | – | – | – | – | – | |
| $27.1亿 | – | – | – | – | – | |
| 4.0% | – | – | – | – | – | |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $66亿2025-12-31 | $56亿 | +17.8% | $66亿 | $56亿 | +17.8% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$63亿 | -$68.2亿 | +7.6% | -$54.7亿 | -$92.9亿 | +41.1% |
| Additional Paid in Capital | $651亿 | $635亿 | +2.6% | $640亿 | $364亿 | +75.8% |
| Adjustments to Additional Paid in Capital, Other | – | – | – | $1.22亿 | – | – |
| Affordable Housing Tax Credits and Other Tax Benefits, Amount | $2.65亿 | $2.23亿 | +18.8% | $7.22亿 | $7.18亿 | +0.6% |
| Amortization Method Qualified Affordable Housing Project Investments | $66亿 | $57亿 | +15.8% | $62亿 | $53亿 | +17.0% |
| Amortization Method Qualified Affordable Housing Project Investments, Amortization | $1.95亿 | $1.8亿 | +8.3% | $6.96亿 | $7.01亿 | -0.7% |
| Amortization of Intangible Assets | $5.07亿 | $2.71亿 | +87.1% | $13.3亿 | $7700万 | +1,622.1% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $2.07亿 | $2.14亿 | -3.3% | $7.43亿 | $5.55亿 | +33.9% |
| Assets | $6740亿 | $6590亿 | +2.3% | $6690亿 | $4900亿 | +36.5% |
| Banking Regulation, Common Equity Tier One Risk-Based Capital, Actual | $730亿2025-12-31 | $508亿 | +43.8% | $730亿 | $508亿 | +43.8% |
| Banking Regulation, Supplementary Leverage Ratio, Actual | 10.6%2025-12-31 | 9.9% | +7.1% | 10.6% | 9.9% | +7.1% |
| Banking Regulation, Tier One Leverage Capital Ratio, Actual | 12.5%2025-12-31 | 11.6% | +7.8% | 12.5% | 11.6% | +7.8% |
| Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum | 4.0%2025-12-31 | 4.0% | 0.0% | 4.0% | 4.0% | 0.0% |
| Banking Regulation, Tier One Leverage Capital, Actual | $785亿2025-12-31 | $557亿 | +41.0% | $785亿 | $557亿 | +41.0% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Actual | 15.3%2025-12-31 | 14.8% | +3.4% | 15.3% | 14.8% | +3.4% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum | 6.0%2025-12-31 | 6.0% | 0.0% | 6.0% | 6.0% | 0.0% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum | 6.0%2025-12-31 | 6.0% | 0.0% | 6.0% | 6.0% | 0.0% |
| Banking Regulation, Tier One Risk-Based Capital, Actual | $785亿2025-12-31 | $557亿 | +41.0% | $785亿 | $557亿 | +41.0% |
| Banking Regulation, Total Capital, Actual | $880亿2025-12-31 | $618亿 | +42.4% | $880亿 | $618亿 | +42.4% |
| Banking Regulation, Total Risk-Based Capital Ratio, Actual | 17.2%2025-12-31 | 16.4% | +4.9% | 17.2% | 16.4% | +4.9% |
| Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum | 8.0%2025-12-31 | 8.0% | 0.0% | 8.0% | 8.0% | 0.0% |
| Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum | 10.0%2025-12-31 | 10.0% | 0.0% | 10.0% | 10.0% | 0.0% |
| Cash and Due from Banks | $48.3亿 | $48.5亿 | -0.4% | $30.3亿 | $30.3亿 | +0.1% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$8300万 | $5500万 | -250.9% | -$3.49亿 | -$6.24亿 | +44.1% |
| Cash Provided by (Used in) Operating Activities, Discontinued Operations | $7000万2025-12-31 | -$400万 | +1,850.0% | $8400万 | -$400万 | +2,200.0% |
| Cash, Cash Equivalents, and Federal Funds Sold | $547亿 | $591亿 | -7.4% | $574亿 | $432亿 | +32.9% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $559亿 | $616亿 | -9.3% | $621亿 | $437亿 | +42.2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$234亿 | $126亿 | -285.3% | $184亿 | -$8400万 | +22,031.0% |
| Common Stock, Capital Shares Reserved for Future Issuance | 1500万2025-12-31 | 1900万 | -21.1% | 1500万 | 1900万 | -21.1% |
| Common Stock, Dividends, Per Share, Declared | $0.80 | $0.60 | +33.3% | $1.602017-12-31 | $1.60 | 0.0% |
| Common Stock, Par or Stated Value Per Share | $0.01 | $0.01 | 0.0% | $0.01 | $0.01 | 0.0% |
| Common Stock, Shares Authorized | 10亿 | 10亿 | 0.0% | 10亿 | 10亿 | 0.0% |
| Common Stock, Shares, Issued | 7.14亿 | 7.07亿 | +1.0% | 7.09亿 | 7.02亿 | +0.9% |
| Common Stock, Shares, Outstanding | 6.13亿 | 6.4亿 | -4.1% | 6.25亿 | 3.81亿 | +64.0% |
| Common Stock, Value, Issued | $700万 | $700万 | 0.0% | $700万 | $700万 | 0.0% |
| Communications and Information Technology | $4.89亿 | $4.13亿 | +18.4% | $17.7亿 | $14.6亿 | +21.1% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $26亿 | -$35.7亿 | +172.9% | $62.7亿 | $37.3亿 | +68.0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $14.8亿 | $16亿 | -7.2% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $9000万 | $2300万 | +291.3% |
| Current Income Tax Expense (Benefit) | – | – | – | $21亿 | $20.2亿 | +4.2% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $5.27亿 | $3.95亿 | +33.4% |
| Debt and Equity Securities, Gain (Loss) | $02025-12-31 | $0 | – | $0 | -$3500万 | +100.0% |
| Debt and Lease Obligation | $454亿 | $527亿 | -13.9% | $510亿 | $456亿 | +12.0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $3.43亿 | $2.41亿 | +42.3% | $4.86亿 | $1.48亿 | +228.4% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $72.5亿 | $84.7亿 | -14.3% | $70.9亿 | $101亿 | -30.0% |
| Debt Securities, Available-for-sale, Change in Present Value, Interest Income | – | – | – | $2.07亿2021-12-31 | $2.3亿 | -10.0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $458亿 | $545亿 | -15.9% | $522亿 | $553亿 | -5.6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $71.2亿 | $83.8亿 | -15.0% | $70.8亿 | $99.3亿 | -28.7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $167亿 | $126亿 | +32.8% | $21.9亿 | $152亿 | -85.6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $1.33亿 | $8700万 | +52.9% | $600万 | $1.94亿 | -96.9% |
| Debt Securities, Available-for-sale, Gain (Loss) | $02025-09-30 | -$3500万 | +100.0% | $2600万2019-12-31 | -$2.09亿 | +112.4% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $750亿 | $755亿 | -0.6% | $767亿 | $756亿 | +1.5% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $684亿 | $676亿 | +1.3% | $703亿 | $661亿 | +6.4% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $88亿 | $67.8亿 | +29.8% | $86.2亿 | $57.6亿 | +49.7% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标、预期:Financial Modeling Prep。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
数据截至 2026-11-01